Page 86 - Benefits Summary 2018-2019

“That will never happen to me.”

Having a family changes everything. First and foremost, it forces us to plan for the future… and even for events
that may be inconceivable to us. While no one enjoys dwelling on harsh realities, purchasing life insurance may
help to decrease anxiety you may feel about your family’s financial protection.

Voluntary benefits.
So important.

your Experts recommend
annual 5 X 10 X that you have at least
income
your annual your annual five to ten times your
income in income in annual income in life
life insurance life insurance
insurance protection. 1

“But I already have life insurance.” “I don’t want to worry about keeping track of
But do you have enough? another monthly bill.”
Most people are confident with their decision to purchase Your employer has made it possible for you to pay for
life insurance to help with funeral expenses, estate your coverage at group rates through convenient payroll
administration costs, debts and medical expenses not deduction. You may be able to take your coverage with
covered by health insurance. When considering these you if you change jobs. And in the event that you become
costs, it’s vital to factor in expenses like your mortgage, totally disabled, your coverage may be continued with no
college tuition, a spouse’s retirement, and the cost of premiums due.
services you currently provide which may need to be “What do I do now?”
paid for in your absence (such as home maintenance,
tax preparation, etc.) as well as hidden expenses If you agree that you and your loved ones can benefit from
currently paid for by your employer (such as healthcare, this important coverage, it’s easy to get started. Simply review
retirement funds and other benefits). the accompanying materials and complete the Reliance
Standard enrollment form supplied by your employer.
Moreover, many people forget that certain life events
result in an increased need for life insurance. For If you have questions or require an enrollment form,
example, your children may be getting closer to college please contact your Benefits Administrator.
age, your spouse may not be working, or you may be Additional information to aid you in your life
supporting aging parents. insurance purchase decision can be found online at
www.RelianceStandard.com/voluntarylife.
Why Reliance Standard?
You are buying Life insurance from Reliance Standard Life
Insurance Company, a national insurer in business for
over a century.

www.reliancestandard.com

This information is not an insurance policy and does not describe the entire plan. For more detailed information you must ask your employer’s Human
Resources benefit manager. There is a detailed description of the plan’s provisions, limitations and exclusions in the Certificate of Insurance which is issued to
you after your application is processed.
The availability of the described products, benefits and features may vary by state.
Voluntary Group Term Life Insurance coverage is underwritten by Reliance Standard Life Insurance Company and provided through policy form series LRS-
8349, et al in all states except Maine, New York, Pennsylvania, Puerto Rico, South Dakota, Vermont, the U.S. Virgin Islands and Washington where coverage
is provided as follows: Maine, South Dakota and Washington through policy form series LRS-9419, et al; Vermont through policy form series LRS-8522, et al;
and Pennsylvania through policy form series LRS-8800, et al. Reliance Standard Life Insurance Company is licensed in all states, (except New York), the District
of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. In New York, insurance products and services are provided through First Reliance Standard Life
Insurance Company, Home Office: New York, NY through policy form series FRSL-8349, et al.
RS-2083 (8/12)